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USALLIANCE Visa® Credit Cards
Whether you're looking for cash back rewards, an everyday low rate, or a safe way to build credit, we have a credit card for you!
Earn $50 when you open a USALLIANCE Visa Classic Credit Card and make your first purchase!
USALLIANCE
Compare Our Cards
With no annual fees and no penalty APRs, how can you go wrong? Find the card that's right for you.
Get Rewarded
USALLIANCE Visa Signature |
Get the Best Rates
USALLIANCE Visa Classic |
Grow Your Credit
USALLIANCE Visa Secured |
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Key Benefits |
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Get rewarded every time you spend. Earn 6 points for every dollar on eligible grocery store purchases1, 2 points for every dollar on all other eligible purchases2, plus perks on travel and purchase discounts. |
Our simplest credit card. No annual fees, no penalty APRs, and the same great low rate on purchases, balance transfers, and cash advances. |
The perfect choice for those looking to establish or rebuild credit. |
New Cardmember Offer |
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No current offer. Check with our Member Services team for info on upcoming card promotions. |
Earn $50 when you open a USALLIANCE Visa Classic Credit Card and make your first purchase! |
No current offer. Check with our Member Services team for info on upcoming card promotions. |
Purchase Rate |
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17.99% APR* (As low as) |
13.99% APR* (As low as) |
18.00% APR* when you open your account. This APR will vary with the market based on the Prime Rate. |
Balance Transfers |
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17.99% APR* (As low as) |
13.99% APR* (As low as) |
18.00% when you open your account. This APR* will vary with the market based on the Prime Rate. |
Annual Fee |
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No annual fee |
No annual fee |
No annual fee |
Earning Rewards |
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Earn 6 points for every on eligible grocery store purchases, 2 points for every dollar on all other eligible purchases. |
None |
None |
Unique Benefits |
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Shared Benefits |
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*APR is Annual Percentage Rate **Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. |
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USALLIANCE
Visa Signature Credit Card
Our rewards credit card. Earn 6 points for every dollar spent at supermarkets. Additionally, earn 2 points on qualifying purchases in 2023, plus perks on travel and purchase discounts.
- Rates as low as 17.99% APR*.
- Earn 6 points for every on eligible grocery store purchases, 2 points for every dollar on all other eligible purchases.
- Exclusive cardholder benefits including Visa Signature Concierge services, cell phone protection, personal identity theft protection and price protection.
USALLIANCE
Visa Classic Credit Card
Our simplest credit card. No annual fees, no penalty APRs, and the same great low rate on purchases, balance transfers, and cash advances.
- Rates as low as 13.99% APR*.
- Cash advances and balance transfers at low fees.
USALLIANCE
Visa Secured Credit Card
The perfect choice for those looking to establish or rebuild credit.
- Rates as low as 18.00% APR*.
- Works like a traditional credit card.
- Minimum $250 security deposit required (placed in a savings account).
1 - Every dollar(s) in qualifying purchase transactions, net of returns, made on your credit card account eligible in this Rewards Program earns Point(s). Point accrual rate is subject to change at the discretion of the Credit Union. Base points accrue at one (1) point per dollar. Bonus points are available on a promotional basis. As of 1/1/2023, all eligible purchases on USALLIANCE Visa Signature Cards will earn one (1) bonus point per dollar above the standard base point until 12/31/2023, for a total of two (2) points per dollar. Furthermore, all eligible grocery store or supermarket transactions on USALLIANCE Visa Signature Cards will earn four (4) additional bonus points per dollar until 12/31/2023. Maximum number of points earned per eligible grocery transaction is six (6) per dollar. The four (4) bonus points promotion is limited to $2,000 spending at grocery stores per calendar month; after $2,000, cardholders earn one (1) base point and one (1) bonus point on all eligible purchases for the remainder of the calendar month. Eligible grocery store or supermarket transactions are defined at the sole discretion of USALLIANCE Financial. Charges or transactions may be added to, or removed from, eligible charges and transactions at any time. No points are earned for finance charges, fees, cash advances, convenience checks, foreign transaction currency charges, or credit life and/or disability (payment protection) insurance charges posted to their account. Purchase transactions are subject to the APR (Annual Percentage Rate). Points will expire three years from the end of the calendar year in which they are earned and will expire on a first-in, first-out basis annually. (i.e., points earned in calendar year one will expire on the last business day of calendar year four.) Accounts must be open and in good standing (not delinquent, over limit, or otherwise not available to use for charges) at the time of redemption. Voluntary or involuntary closure of the card forfeits any outstanding points. Points may be redeemed on the scorecardrewards.com member portal. To redeem for cash or statement credit, you must have a minimum of 2,500 points. Redeemed cash will be transferred into your eligible USALLIANCE Deposit Account within 7 business days of redemption. Cash Back and Statement Credit redemptions must be made in increments of $25. Additional terms apply; refer to the ScoreCard® Bonus Point Program Rules for more information. USALLIANCE Financial reserves the right to alter promotion timing and conditions without notice.
2 - Every dollar(s) in qualifying purchase transactions, net of returns, made on your credit card account eligible in the USALLIANCE Visa Signature Rewards Program earns Point(s). Point accrual rate is subject to change at the discretion of the Credit Union. Base points accrue at one (1) point per dollar. Bonus points are available on a promotional basis. Effective 01/01/2023, USALLIANCE Visa Signature Cards earn an additional one (1) bonus point per eligible transaction (for a total of two (2) points per transaction) until 12/31/2023. No points are earned for finance charges, fees, cash advances, convenience checks, foreign transaction currency charges, or credit life and/or disability (payment protection) insurance charges posted to their account. Purchase transactions are subject to the APR (Annual Percentage Rate). Points will expire three years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (i.e., points earned in calendar year one will expire on the last business day of calendar year four.) Accounts must be open and in good standing (not delinquent, over limit, or otherwise not available to use for charges) at the time of redemption. Voluntary or involuntary closure of the card forfeits any outstanding points. Points may be redeemed on the scorecardrewards.com member portal. To redeem for cash or statement credit, you must have a minimum of 2,500 points. Redeemed cash will be transferred into your eligible USALLIANCE Deposit Account within seven (7) business days of redemption. Cash Back and Statement Credit redemptions must be made in increments of $25. Additional terms apply; refer to the ScoreCard® Bonus Point Program Rules for more information. USALLIANCE Financial reserves the right to alter promotion timing and conditions without notice.
USALLIANCE VISA® CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE
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Interest Rates and Interest Charges |
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Annual Percentage Rate (APR) for Purchases |
Visa SignatureAfter that, your APR will be 17.99%, 18.00%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. Throwback Visa Classic13.99%, 14.24%, 16.24%, 16.24% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. Visa Classic Secured18.00%, 18.00%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. |
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APR for Balance Transfers |
Visa SignatureAfter that, your APR will be 17.99%, 18.00%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. Throwback Visa Classic13.99%, 14.24%, 16.24%, 16.24% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. Visa Classic Secured18.00%, 18.00%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. |
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APR for Cash Advances |
Visa Signature17.99%, 18.00%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. Throwback Visa Classic13.99%, 14.24%, 16.24% 16.24% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. Visa Classic Secured18.00%, 18.00%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. |
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How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
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For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
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Fees |
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Annual Fee |
None |
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Transaction Fees |
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· Balance Transfer - Visa Signature |
$10.00 or 5% of the amount of each transfer, whichever is greater. |
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· Balance Transfer - Throwback Visa Classic, Visa Classic Secured |
$10.00 or 3% of the amount of each transfer, whichever is greater. |
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· Cash Advance - Visa Signature |
$10.00 or 5% of the amount of each cash advance, whichever is greater. |
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· Cash Advance - Throwback Visa Classic, Visa Classic Secured |
$10.00 or 3% of the amount of each cash advance, whichever is greater. |
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· Foreign Transaction |
1% of the transaction amount in U.S. dollars. |
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Penalty Fees |
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· Late Payment |
Up to $38.00 |
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· Returned Payment |
Up to$25.00 |
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How We Will Calculate Your Balance: |
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Effective Date: |
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For California Borrowers, the Visa Signature, Throwback Visa Classic and Visa Classic Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower. |
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Other Fees & Disclosures:Late Payment Fee: Balance Transfer Fee (Finance Charge) - Visa Signature: Balance Transfer Fee (Finance Charge) - Throwback Visa Classic, Visa Classic Secured: Cash Advance Fee (Finance Charge) - Visa Signature: Cash Advance Fee (Finance Charge) - Throwback Visa Classic, Visa Classic Secured: Returned Payment Fee: Card Replacement Fee: Emergency Card Replacement Fee: Pay-by-Phone Fee: Rush Fee: Statement Copy Fee: |
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USALLIANCE Financial
ABA Routing Number:
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About USALLIANCE
USALLIANCE Financial is a full-service credit union that offers a wide range of banking services. We develop and implement custom-made, secure, and innovative products for many great organizations, in addition to our 120,000+ members worldwide.
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USAlliance Federal Credit Union d/b/a USALLIANCE Financial
NMLS #562301 Equal Housing Lender
*APR = Annual Percentage Rate | APY = Annual Percentage Yield
Federally Insured by NCUA